Legal and General Critical Illness Cover provides financial support if you're diagnosed with a critical illness. With a lump sum payout for covered conditions, including various cancers, heart attacks, and strokes, this insurance helps manage medical expenses and other financial needs. The policy also includes Children's Critical Illness Cover and offers flexibility to adjust your coverage, ensuring comprehensive protection for you and your family.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
Legal and general critical illness cover is a way of ensuring your and your family’s financial security in the event of the diagnosis of a critical illness during the policy term. This critical illness cover can be added at an additional premium to your base legal and general life insurance or decreasing life insurance. This payout can help you and your family members pay for the medical bills and treatment costs in your time of need and help stress-free focus solely on your recovery.
Term Plans
Legal and General Critical Illness Cover provides financial support if you're diagnosed with a serious illness during the policy term. To qualify, you must be diagnosed with a covered illness and survive for at least 14 days post-diagnosis. Upon meeting these conditions, you'll receive a lump sum payout, which ends the policy and helps with medical expenses and other financial needs.
Similar to a term insurance policy with critical illness rider, this plan covers various illnesses, including many cancers, heart attacks, and strokes, and includes Children's Critical Illness Cover at no extra cost. You can increase your cover amount without additional medical questions, subject to conditions. Additional coverage is available for specific conditions like carcinoma in situ of the breast and low-grade prostate cancer, without affecting your main cover or premiums.
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If you are diagnosed with a critical illness covered under the policy and you survive a period of 14 days from the day of diagnosis, then you will be covered under the policy.
Once the insurer has made the payment in full, the policy will end its cover.
The policy covers a range of critical illnesses like many types of cancer, heart attack, and stroke. You can refer to the full list of illnesses covered under the plan for a detailed understanding.
The policy automatically includes children’s critical illness cover.
You might be able to change the cover amount of the policy without answering more medical questions.
The plan will also provide additional cover for carcinoma in situ of the breast - treated by surgery, and low-grade prostate cancer.
The single life policy will end on the death of the policyholder, whereas for a joint life policy, the cover will continue even after the death of the first person.
The policy will not payout in case of critical illness not covered under the plan or if death occurs within 14 days of diagnosis.
You can check the restrictions of the policy under the ‘what you are not covered for’ section in the policy booklet.
Some types of cancers are not covered and for the illnesses covered, you need to have permanent symptoms.
This plan is not a savings or investment plan and thus has no cash value benefit unless a valid claim is made.
Critical illnesses are unpredictable and can affect anyone at any age. Thus, if you are an individual who is unable to work due to a critical illness at any point, having a financial backup can help you get your life back on track. With a legalandgeneral life insurance, you won’t have to dip into your savings or rely on employment benefits, and you can get financial benefits from the legal and general critical illness cover itself.
Anyone who qualifies for the following conditions is eligible to buy legalandgeneral life insurance critical illness cover:
Between the ages of 18 and 67 years old
A resident of the UK
Under the age of 75 by the end of the policy term
The legal and general critical illness cover can only be taken alongside a Legal and General Life Insurance or Decreasing Life Insurance policy; it cannot be purchased on its own. You can choose the cover amount of the Critical Illness to suit your needs, and it doesn't have to match the amount of life insurance you take out. Although it may be less, it cannot exceed the life insurance coverage.
To get critical illness cover with term life insurance for NRI from Indian insurers, you need to follow the below steps:
Step 1: Visit the NRI term insurance page on Policybazaar’s official website
Step 2: Fill in your name, gender, date of birth, and contact information
Step 3: Select the right annual income, occupation type, educational qualifications, and smoking habits
Step 4: Choose the most suitable term insurance with critical illness cover and proceed to pay
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.
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